Fraud Statistics Jul 14 - Jun 15
We publish payments fraud data twice-yearly to help public understanding of fraud trends and prevention measures.
The data tables covering 1 July 2014 - 30 Jun 2015 are provided below. For further information on this data release, please see the accompanying Media Release.
Fraud Statistics for July 2014 -Jun 2015
Fraud Perpetrated on Australian Cheques and Cards
1 July 2014 - 30 June 2015 (Revised June 2016)
| Fraud Transactions | Total Transactions | Fraud Rates | ||||
| Number | Value | Number (millions) | Value (millions) | as % of total no. of transactions | as % of total value ($) of transactions | |
| Cheques | 1,047 | $6,661,216 | 153 | $1,220,253 | 0.0007% | 0.0005% |
| Australian-issued cards^ | 1,898,377 | $406,167,000 | 6,958 | $672,557 | 0.0273% | 0.0604% |
| Proprietary debit cards | 65,486 | $22,052,046 | N/A | N/A | N/A | N/A |
| Scheme credit, debit and charge cards | 1,832,891 | $384,114,954 | N/A | N/A | N/A | N/A |
| Total | 1,899,424 | $412,828,216 | 7,111 | $1,892,810 | 0.0267% | 0.0218% |
^ = Figures have been revised.
Cheque Fraud Perpetrated in Australia
1 July 2014 - 30 June 2015
| Category | Actual | Exposure | Recoveries* |
| On-Us Fraud | Transactions | Value ($) | Transactions | Value ($) | Value ($) |
| Valueless | 24 | 160,781 | 508 | 28,789,570 | 22,154 |
| Fraudulently Altered | 298 | 2,937,712 | 553 | 7,944,750 | 752,900 |
| Stolen Blank Cheque / Book | 474 | 1,680,868 | 1,001 | 5,203,913 | 256,224 |
| Originated Counterfeit Cheques | 168 | 871,367 | 205 | 3,268,918 | 219,535 |
| Non-originated Counterfeit Cheques | 32 | 411,558 | 102 | 2,353,101 | 7,367 |
| Breach of Mandate | 18 | 344,445 | 21 | 825,343 | 833 |
| On-Us Total | 1,014 | 6,406,731 | 2,390 | 48,385,595 | 1,259,013 |
| Deposit Fraud | |||||
| Valueless | 11 | 75,338 | 180 | 74,726,406 | 142,929 |
| Valueless - Kite Flying | 10 | 24,850 | 53 | 2,684,137 | 250 |
| Third Party Conversion | 12 | 154,297 | 31 | 571,542 | 10,462 |
| Deposit Total | 33 | 254,485 | 264 | 77,982,085 | 153,641 |
| Total | 1,047 | 6,661,216 | 2,654 | 126,367,680 | 1,412,654 |
* Data on the 'transactions' of recoveries is not collected.
“Actual” losses can relate to “Exposure” during an earlier period. This explains why, in some reporting periods,actual losses may exceed exposure.
Proprietary Debit Card Fraud Perpetrated in Australia
1 July 2014 - 30 June 2015
| Category | Transactions | Value |
| Debit Card Fraud – PIN Used: | ||
| Lost/Stolen | 14,897 | 3,576,289 |
| Never Received | 4,107 | 1,618,418 |
| Counterfeit/Skimming | 40,893 | 15,286,631 |
| Other | 4,409 | 1,474,026 |
| PIN Used Total | 64,306 | 21,955,364 |
| Debit Card Fraud – PIN Not Used: | ||
| Lost/Stolen | 863 | 60,017 |
| Never Received | 86 | 3,908 |
| Counterfeit/Skimming | 211 | 31,213 |
| Other | 20 | 1,544 |
| PIN Not Used Total | 1,180 | 96,682 |
| Total Debit Card Fraud | 65,486 | 22,052,046 |
Note: For fraudulent transactions initiated at ATMs, POS terminals and other devices, the above statistics incorporate all transactions where either "cheque" or "savings" was selected, regardless of the type of card used (that is debit card, 'combo’ card, scheme card etc). The number of fraud transactions does not represent the number of cards or consumers affected. Typically, multiple fraud transactions are made on a single card.
Scheme Credit, Debit and Charge Card Fraud
Perpetrated in Australia and Overseas on Australia-issued Cards
1 July 2014 - 30 June 2015 (Revised June 2016)
| Category | In Australia | Overseas | Total |
| Transactions | Value ($) | Transactions | Value ($) | Transactions | Value ($) | |
| Lost / Stolen | 174,839 | 15,671,497 | 39,767 | 12,564,436 | 214,606 | 28,235,933 |
| Never Received | 53,863 | 6,326,786 | 1,453 | 488,872 | 55,316 | 6,815,659 |
| Fraudulent Application | 3,901 | 1,018,114 | 1,099 | 211,843 | 5,000 | 1,229,957 |
| Counterfeit / Skimming | 17,577 | 6,771,378 | 47,787 | 17,181,666 | 65,364 | 23,953,044 |
| Card Not Present (CNP) | 501,004 | 118,509,840 | 986,685 | 204,591,895 | 1,487,689 | 323,101,734 |
| Other | 3,870 | 571,576 | 1,046 | 207,050 | 4,916 | 778,627 |
| Total | 755,054 | 148,869,192 | 1,077,837 | 235,245,762 | 1,832,891 | 384,114,954 |
Note: For fraudulent transactions initiated at ATMs, POS terminals and other devices, the above statistics incorporate all transactions where either "cheque" or "savings" was selected, regardless of the type of card used (that is debit card, 'combo’ card, scheme card etc). The number of fraud transactions does not represent the number of cards or consumers affected. Typically, multiple fraud transactions are made on a single card.
Fraud Perpetrated in Australia on Cards issued Overseas
| Category | Transactions | Value ($) |
| Lost / Stolen | 12,713 | 2,424,017 |
| Never Received | 704 | 92,223 |
| Fraudulent Application | 379 | 69,237 |
| Counterfeit / Skimming | 77,075 | 8,206,209 |
| Card Not Present (CNP) | 157,519 | 47,568,093 |
| Other | 1,461 | 628,061 |
| Total | 249,851 | 58,987,840 |
Note: For fraudulent transactions initiated at ATMs, POS terminals and other devices, the above statistics incorporate all transactions where either "cheque" or "savings" was selected, regardless of the type of card used (that is debit card, 'combo’ card, scheme card etc). The number of fraud transactions does not represent the number of cards or consumers affected. Typically, multiple fraud transactions are made on a single card.
